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Split your after-tax income into needs, wants, and savings using the 50/30/20 rule. Customize the percentages to fit your situation.
Plan your monthly budget using the 50/30/20 rule — no signup, no ads. Enter your after-tax income, choose a preset split or customize your own percentages, and instantly see how much to allocate to needs, wants, and savings. Visual bars show the breakdown at a glance. Everything runs in your browser — no data stored.
The 50/30/20 rule is a simple budgeting framework. Allocate 50% of your after-tax income to needs (rent, groceries, insurance), 30% to wants (dining out, entertainment, subscriptions), and 20% to savings and debt repayment. It gives you a clear starting point without tracking every dollar.
Use your after-tax (net) income — the amount that actually hits your bank account. If you're salaried, use your take-home pay. If you're freelance, subtract estimated taxes first.
Needs are expenses you can't avoid: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transportation to work. Wants are everything else: dining out, streaming services, hobbies, vacations, upgrades. If you could survive without it, it's a want.
Yes. The 50/30/20 split is a starting point. If you live in a high-cost city, try 60/20/20. If you're aggressively paying down debt or saving for a house, flip to 50/20/30. The calculator lets you enter any split you want.